Hard Money Lender Miami
Loan products Miami
We provide fast and fairly priced Fix & Flip, GUC, and DSCR Rental Loans to local real estate investors in the greater Miami area.
Fix and Flip
Funding For Rehab + Purchase
$50,000 up to $3,000,000
Interest Rate 10.5%-11.99%
Origination Fee From 1.5%
Up to 90% of Purchase and 100% of Rehab
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Ground Up Construction
For New Builds and Construction Completion
Up to $3,000,000
Interest Rate 11.50%-13.25%
Origination Fee From 1.5%
Up to 75% of Purchase and 100% of Construction
You’re local in Miami, You Want a Lender Who Knows the Miami Market.
Understanding the Miami Market
Miami's real estate market is on fire, with property values soaring and demand reaching new heights in 2024. Fueled by a strong economy, steady mortgage rates, and global interest, Miami has become an even bigger hotbed for real estate investment this year. Despite rising prices, savvy investors can still find hidden opportunities, especially in up-and-coming neighborhoods with renovation projects. Additionally, with a strong rental market, Miami remains a top location for fix-and-flip and fix-and-hold single family investment properties. As a Florida based lender, Ridge Street Capital prioritizes lending to investors Miami.
How To Get a Hard Money Loan In Miami
Whether you’re looking for a fix and flip, DSCR, or construction loan, Ridge Street’s process is very simple.
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Frequently Asked Questions
Why Choose a Hard Money loan Instead of Bank Financing?
Hard money lenders in Miami offer access to capital based on property value, not personal income. Most banks are bound by consumer lending restrictions and cannot lend to serial real estate entrepreneurs on investment properties. Closing times required by larger lenders and banks typically exceed 14-30 days. Ridge Street Capital provides flexible terms, competitive rates, and local market expertise, ensuring fast and straightforward financing for your investment properties.
How Fast Can a Hard Money Loan Close In Miami?
Ridge Street is strictly focused on providing investment property loans to local real estate investors. As a result, we can close on investment properties within 14 days.
Why Is Ridge Street The Best Hard Money Lender In Miami?
Picking a hard money lender is an important decision on every real estate project. Ridge Street stands out as a top choice because we have:
- A Simple Lending Process
- Excellent Communication
- Fair Pricing
How To Find Good Investment Properties In Miami?
We've created a guide for our investor community on how to find good investment properties in Florida. The main points are:
- Work with local realtors who specialize in investment properties.
- Work with local wholesalers who source off-market properties.
- Have a system to quickly evaluate deals that fit your strike zone.
How To Increase My Loan Amount On My Fix & Flip?
Loan amounts are typically limited an investor's experience or by the profitability of the project. There are several techniques you can use to reduce your cash to close.
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